Umbrella Insurance that fits the way you live.
$1-5 million of liability coverage layered above your home and auto — for a few hundred dollars a year. The single most underutilized policy in California.
Why this coverage line is the one we get the most questions about.
Most California homeowners carry $500K of liability on their home policy and 100/300 on auto. That sounds like a lot until a serious lawsuit lands — a teen driver injures someone, a pool accident at your house, a dog bite. A $1M umbrella stacks on top of your existing limits for typically $250-$600 per year. A $5M umbrella runs $800-$1,500. We require an umbrella for clients with kids, pools, teen drivers, rental properties, or any meaningful net worth. There is no cheaper insurance dollar for dollar.
How we shop it.
Every quote runs across 30+ admitted and specialty carriers. For umbrella insurance, we focus on the markets that actually compete in California's current environment. We don't sell one company's product — we shop the result and recommend the carrier that fits your specific situation.
Insurance for the way you actually live
Whether you're looking for a umbrella insurance broker near me, an independent insurance agent near me in San Diego County, or a boutique insurance agency near me with deep specialty-market relationships — this is the office. Featured on CBS 8 San Diego for explaining California's hardest insurance market in a generation.
The questions we hear about umbrella coverage.
Who actually needs an umbrella policy?
Anyone with a net worth above $250K, anyone with teen drivers, anyone with a pool or trampoline, anyone who hosts gatherings, anyone who owns a rental property. So... almost everyone.
Why is umbrella so cheap?
Because the underlying home and auto policies pay first — the umbrella only kicks in after they're exhausted. Severe claims that exceed $500K liability are statistically rare but financially devastating. The premium reflects that risk math.
Tell us a little about what you need to protect.
Send the basics and we'll come back with shopped quotes within 48 hours — same day if it's an escrow.